AMB Dividend Trust Fund (AMBDTF) - Fundsupermart.com

AMB DIVIDEND TRUST FUND
RESPONSIBILITY STATEMENT
This Product Highlights Sheet has been reviewed and approved by the directors or
authorised committee or persons approved by the Board of Amanah Mutual Berhad
and they collectively and individually accept full responsibility for the accuracy of the
information. Having made all reasonable enquiries, they confirm to the best of their
knowledge and belief, there are no false or misleading statements, or omission of
other facts which would make any statement in the Product Highlights Sheet false or
misleading.
STATEMENTS OF DISCLAIMER
The Securities Commission Malaysia has authorised the issuance of AMB Dividend
Trust Fund and a copy of this Product Highlights Sheet has been lodged with the
Securities Commission Malaysia.
The authorisation of AMB Dividend Trust Fund and lodgement of this Product
Highlights Sheet should not be taken to indicate that the Securities Commission
Malaysia recommends AMB Dividend Trust Fund or assumes responsibility for the
correctness of any statement made or opinion or report expressed in this Product
Highlights Sheet.
The Securities Commission Malaysia is not liable for any non-disclosure on the part of
the Management Company responsible for AMB Dividend Trust Fund and takes no
responsibility for the contents of this Product Highlights Sheet. The Securities
Commission Malaysia makes no representation on the accuracy or completeness of
this Product Highlights Sheet, and expressly disclaims any liability whatsoever arising
from, or in reliance upon the whole or any part of its contents.
1 Updated as at September 2014

This Product Highlights Sheet only highlights the key features and risk of this unlisted capital
market product. Investors are advised to request, read and understand the disclosure
documents before deciding to invest.
PRODUCT HIGHLIGHTS SHEET
PRODUCT NAME: AMB DIVIDEND TRUST FUND (AMBDTF)
BRIEF INFORMATION ON THE FUND
AMB Dividend Trust Fund (AMBDTF) is managed by Amanah Mutual Berhad (AMB). It is a conventional openended
equity fund. Therefore, the Fund does not provide capital protection or capital guarantee.
The Fund’s objective is to provide investors with a regular income stream and to attain medium-to-long-term
capital appreciation through investing in high (and potentially high) dividend yielding equities (including foreign
equities).
PRODUCT SUITABILITY
This fund is suitable for investors who:-
are conservative and prefers receiving regular and steady income in the form of distributions.
have a moderate risk appetite.
KEY PRODUCT FEATURES
Investment policy and strategy
The Fund will invest primarily in high dividend yielding stocks both in Malaysia and in Asian ex-Japan markets
(the latter being subject to a maximum of 30% of the total NAV of the Fund). The selection of appropriate
equities will be driven by the EIM’s internal screening process whereby emphasis will be placed on the
sustainability of dividends, price-to-earnings ratios, gearing levels, historical volatility, as well as liquidity.
FUND INFORMATION
Base Currency
Launch Date
Financial Year End
Domicile
Registration
Asset allocation
Benchmark
Distribution Policy
Manager
Trustee
MYR (Malaysia Ringgit)
6 th June2006
30 th April
Malaysia
Securities Commission Malaysia (SC)
Min 70% max 99.80% in equities
Max 20% in listed REITs.
Min 0.20% max 30% in fixed income securities and cash
Up to 30% of the Fund’s total NAV may be invested in Asian exJapan markets
and/or the EIM may choose to invest solely in the domestic market.
70% of FBM KLCI + 30% of 12-month fixed deposit rate of commercial banks.
Income (if any), shall be distributed semi annually or annually at the discretion
of the Manager, subject to the approval from the Trustee.
Amanah Mutual Berhad (195414-U)
HSBC (Malaysia) Trustee Berhad (001281-T)
2 Updated as at September 2014

Board of Directors
Investment Committee
Members (ICM)
Tun Ahmad Sarji bin Abdul Hamid (Chairman)
Tan Sri Dato’ Sri Hamad Kama Piah bin Che Othman
Tan Sri Dato’ Dr. Wan Mohd. Zahid bin Mohd. Noordin
Tan Sri Dato’ Md. Desa bin Pachi
Dato’ Idris bin Kechot
Tun Ahmad Sarji bin Abdul Hamid (Chairman)
Tan Sri Dato’ Dr. Wan Mohd. Zahid bin Mohd. Noordin
Tan Sri Dato’ Md. Desa bin Pachi
Dato’ Idris bin Kechot
External Investment
Managers (EIM)
Hwang Investment Management Berhad (429786-T)
Auditors Messrs. Ernst & Young (AF : 0039)
Tax Advisor
Solicitors
Ernst & Young Tax Consultants Sdn Bhd (179793-K)
Messrs. Zainal Abidin & Co.
The Fund’s investment strategy does include temporary defensive positions to protect investor from significant
losses.
The EIM,upon approval from ICM of AMBDTF, will execute temporary defensive positions in dealing with
adverse market conditions, unstable economic situation, political upheaval and other external factors affecting
market. In this regard, the Fund may hold cash at higher level than what is prescribed in the asset allocation. It
may also invest into cash equivalent instruments as the main asset of the Fund to maintain low volatility.
When there is excessive gains during best market scenario, AMBDTF shall realise as much profits from the
portfolio holdings. This will be reflected as income to the Fund. With that higher income distribution can be
declared.
KEY RISKS
General Risk
1. Market risk
2. Non-compliance risk
3. Inflation risk
4. Liquidity risk
5. Fund management risk
6. Operational risk
7. Returns not guaranteed
8. Loan financing risk
9. Force majeure risk
(Source :Master Prospectus of Conventional Fund–Section 4)
Specific risks associated with AMBDTF
Individual equity risk
AMBDTF is subject to the volatility of prices in the share market. The volatility of prices in each stock will affect
the Fund’s value daily. The performance of individual stocks, which make up the portfolio, will fluctuate according
to changes in the market value of the investments. The fluctuations can be significant in the short-term. This
accounts for the market risk when investing in this Fund. However, this impact is minimised through portfolio
diversification.
Credit risk
AMBDTF invests in fixed income securities, so its portfolio is subject to credit risk. This is the risk that the issuer
of the security may default and not be able to make timely principal and interest payments on the security. The
lower-rated corporate debt securities will normally have greater risk of defaults.
3 Updated as at September 2014

Interest rate risk
Fixed income securities are particularly sensitive to movements in interest rates. When interest rates rise, the
value of fixed income securities falls and vice versa, thus affecting the NAV of the Fund. Furthermore, fixed
income securities with longer maturity and lower yield coupon rates are more susceptible to interest rate
movements.
Currency risk
Currency risk is also known as foreign exchange risk. It is the risk associated with investments that are
denominated in foreign currencies. When the foreign currencies fluctuate in an unfavourable direction against the
RM, the investments will face currency losses in addition to the capital gains/losses. This may lead to a lower
NAV of the Fund.
Country risk
The foreign investments of the Fund may be affected by risks specific to the country, in which it invests. Such
risks include changes in a country’s economic fundamentals, social and political stability, currency movements
and foreign policies, etc. These may impact on the prices of listed securities in the particular country.
FEES, CHARGES & GST
This table describes the charges that you may directly and indirect incur when you purchase or repurchase units
of the fund.
Fund
Maximum
Sales
Charges 1
Manager / Distribution Channel (% of NAV per Unit)
Annual
Management
Fee (% of NAV) 2
Repurchase
Charge
Annual Trustee
Fee (% of NAV) 2
0.07% per annum on NAV of the fund
(local investment)
AMBDTF 5.5 Nil 1.50
0.07% per annum on the local & foreign
NAV of the fund (local and abroad
investment)
(subject to a minimum fee of MYR 18,000
per annum calculated on a daily basis)
The sales charge for investments under the EPF’s Members Investment Scheme shall not exceed 3% of NAV
per unit, as regulated by EPF. Kindly refer to the Manager for the eligibility status of classes of AMBDA approved
by EPF for investment.
Note :
1. The sales charge is negotiable, subject to the Manager’s discretion.
2. Annual management fee and annual trustee fee are calculated as the percentage of the NAV of the fund,
calculated on a daily basis before deducting the fees for the day.
Good and Service Tax (GST)
Effective 1 April 2015, the GST will be implemented to replace the sales tax and service tax regime at a rate of
6%. Unit Holders will be subjected to GST based on the Industry Guide on Fund Management (“Draft GST
guide”) issued by the Royal Malaysian Customs Department on 27 October 2013 on the following expenses:-
any fee based charges in relation to purchase of Units such as sales charge; and
switching and transfer charges for switching or transferring Units.
However, please note the Draft GST Guide may be revised upon implementation.
4 Updated as at September 2014

Table for switching charges for AMBDTF (Equity) to other funds of AMB
To recipient fund
Switching from
Equity
Sukuk/Bond/
Fixed Income
Balanced
Money
Market
AMBDTF
MYR25 per
transaction
MYR25 per
transaction
MYR25 per
transaction
Nil
Note:
1. The above table is applicable for all switching transactions, except where the sales charge of the fund to
be switched into is equal or lower than the sales charge of the Fund switched from, in which case the
switching fee shall be MYR25 only.
2. Distribution units of conventional funds cannot be switched to Shariah funds within the AMB Family of
Funds. However the principal amount of conventional funds is allowed to be switched to Shariah funds.
Other annual operating expenses
The auditor’s fees, tax agents’ fee and other relevant professional fees; the costs of printing and distribution of
annual and interim reports, tax vouchers and warrants; cost of modification of the Deed other than those for the
benefit of the Manager and/or Trustee; and other notices to Unit Holders as well as expenses that are directly
related and necessary for the administration of the Fund as set out in the Deed.
VALUATIONS AND EXITING FROM INVESTMENT
The valuation of the Fund is conducted at the end of each Business Day. The NAV of the Fund is determined by
deducting the value of the Fund’s liabilities from the value of the Fund’s assets at a Valuation Point.
The valuation of the Fund is in the Base Currency i.e. MYR. To determine the NAV of each Class, all the assets
and liabilities of each Class will be converted to MYR using the prevailing exchange rate. The NAV per Unit of
each Class will be the NAV of the Fund attributable to each Class divided by the number of Units in Circulation
of that Class.
The NAV per unit of AMBDTF for each class is available on our website (www.ambmutual.com.my), AMB’s
office or any of its Distribution Channels.
1.Pricing of units
The Manager adopts the single pricing policy in calculating your investment. Single pricing equates to prices
quoted and transacted on a single price.
The price of Units is computed on a Forward Pricing basis. As such, Units of each Class are transacted at the
NAV per Unit of the respective Class at the next Valuation Point after receipt of the completed transaction
request. Consequently, any changes in the underlying assets of the Fund will cause its Unit prices to vary. Any
applicable sales charge shall be payable separately from the Purchase Price of Units.
2. Procedure to Repurchase Units
Repurchase of Units can also be made in part or entirety at any time by completing the repurchase form, which
can be obtained at AMB’s office or any Distribution Channels. Repurchase request must be made in terms of
Units due to Forward Pricing policy. Below are the required documents/forms to be submitted to repurchase
Units:
(a) Individual investor (single or joint applicants)
i. Completed repurchase form.
ii. Photocopy of identity card, birth certificate (if joint applicant is a minor) or passport (if necessary).
5 Updated as at September 2014

(b) Corporate investor
i. Completed repurchase form.
ii. Board resolution or any other necessary authorisation (if necessary).
Partial repurchase of Units is permitted provided the applicable minimum holding is maintained for the Fund.
There is no restriction on frequency of repurchase and number of Units a Unit Holder can redeem subject to the
applicable minimum holding.
The Manager may elect not to permit a partial repurchase if the effect thereof would be that the Unit Holder
holds less than the minimum holding applicable.
3. Payment for Repurchase of Units
(a) By cheque
The Unit Holders will receive withdrawal proceeds payment by cheque payable to the Unit Holder's or
jointholders' names only. The cheque will be mailed to the address of the Unit Holders based on the application
form or as may be subsequently notified in writing to the Manager.
Any charges incurred such as charges for outstation cheque will be borne by the Unit Holders.
(b) Transfer to a bank account
Payment for repurchase proceeds will be made via telegraphic transfer to Unit Holders’ respective foreign
currency account.
Unit Holders may give AMB an instruction in writing to transfer the repurchase proceeds to Unit Holders'
nominated local bank account held in Unit Holders' own name. All bank charges for the transfer will be borne by
the Unit Holders. The charge will be deducted from the repurchase amount before being paid to the Unit Holders’
relevant bank account.
Unit Holders are required to provide AMB with the relevant bank account details in order for AMB to proceed with
the transfer request. It is possible for delays in the banking system to occur which are beyond our control. If the
funds cannot be transferred, AMB shall draw a cheque payable to the Unit Holders.
Unit Holders may give AMB instruction in writing to transfer the repurchase proceeds to the Unit Holders'
nominated bank account overseas held in Unit Holders' own name. All bank charges for the transfer will be borne
by the Unit Holders. The charge will be deducted from the repurchase amount before being paid to the Unit
Holders’ relevant bank account.
Note: No repurchase proceeds will be paid in cash under any circumstances.
4. Unit Pricing & Cut-off Time for Repurchase of Units
Applications to repurchase Units will be processed on the same Business Day if received by 2.30 p.m. The
applicable repurchase price would be based on the NAV per Unit at the end of the Business Day on which the
application to repurchase is received by the Manager. Any application received or deemed to have been
received after this cut-off time would be considered as being transacted on the next Business Day and would be
subjected to the Manager’s pricing on the next Business Day.
The Manager will pay the net repurchase proceeds to the Unit Holder or the Unit Holder’s EPF account (where
applicable) within 10 days from the receipt of the request to repurchase provided that all documentation are
complete.
In the event of any technical difficulties beyond the Manager’s control or should the redemption request result in
the sale of assets which cannot be liquidated at an appropriate price or on adequate terms and is as such not in
the interest of the existing Unit Holders, redemption monies may be paid at such other period as may be
permitted by the relevant authorities from time to time.
6 Updated as at September 2014

CONTACT INFORMATION
1. For any enquires and / or complaint (internal dispute resolution), you may contact:
(a)
AMB Client Services via
Tel : +603-2034 0800
Fax : +603-2162 5958 / +603-2163 3212
Email : ambcare@pnb.com.my
Or you may also file your dispute at our premise:
Amanah Mutual Berhad
34th Floor Menara PNB
201-A JalanTunRazak
50400 Kuala Lumpur
(b)
Distribution Channels
Please refer to Section 20 of the Master Prospectus of ConventionalFund for details on the
appointed Distribution Channels.
Alternatively, you may also visit AMB’s website at www.ambmutual.com.my
2. If you are dissatisfied with the outcome of the internal dispute resolution process, please refer your dispute to
the SecuritiesIndustries Dispute Resolution Corporation (SIDREC):
(a) via phone to : 03-2282 2280
(b) via fax to : 03-2282-3855
(c) via email to
: info@sidrec.com.my
(d) via letter to
: Securities Industry Dispute Resolution Center (SIDREC)
Unit A-9-1, Level 9, Tower A
Menara UOA Bangsar
No. 5, JalanBangsarUtama 1
59000 Kuala Lumpur
3. You can also direct your complaint to the Securities Commission even if you have initiated a dispute
resolution process with SIDREC. To make a complaint, please contact the SC’s Investor Affairs &
Complaints Department:
(a) via phone to the Aduan Hotline at : 03-6204 8999
(b) via fax to : 03-6204 8991
(c) via e-mail to
: aduan@seccom.com.my
(d) via online complaint form available at www.sc.com.my
(e) via letter to
: Investor Affairs & Complaints Department
Securities Commission Malaysia
3 Persiaran Bukit Kiara
Bukit Kiara
50490 Kuala Lumpur
7 Updated as at September 2014

APPENDIX : GLOSSARY
“AMB” or “Manager”
“AMBDTF” or “ Fund”
“Bursa Malaysia”
“Business Day(s)”
“Currency”
Amanah Mutual Berhad (195414-U).
AMB Dividend Trust Fund.
The Malaysian stock exchange, operated and maintained by Bursa Malaysia
Securities Berhad (635998-W).
A day on which the Bursa Malaysia is open for trading in securities.
The base currency of the Fund i.e MYR (Malaysian Ringgit).
“Deed”
“Distribution Channel”
“EPF”
“External Investment
Manager” or “EIM”
“Forward Pricing”
“Investment Committee” or
“IC”
“IUTA”
“NAV”
“NAV of the Fund”
“SC” or “Securities
Commission”
“Unit Holder(s)”
“Units in Circulation” or
“UIC”
“Units”
“Valuation Point”
The deed including any supplementary deed between the Manager, the
Trustee and the Unit Holders for the Fund.
An institution, corporation or an organisation that is appointed by AMB for the
purpose of marketing and distributing the Fund inside and outside Malaysia as
allowed by the applicable laws. Details are provided in Master Prospectus for
Conventional Funds dated 17th September 2014 on Section 20 page 163.
Employees Provident Fund.
The external investment manager of the fund, Hwang Investment Management
Berhad (429786-T).
The price of a Unit that is the NAV per Unit calculated at the next Valuation
Point after an instruction or a request is received.
The investment committee of the Fund which is primarily responsible for
formulating, implementing and monitoring the investment management
strategies of the Fund in accordance with the investment objectives of the
Fund.
Any Institutional Unit Trust Advisers, which is an institution, a corporation or an
organization that is registered with the Federation of Investment Managers
Malaysia (FiMM) or other regulated bodies in respective country in accordance
with their guidelines to distribute the Units.
Net asset value.
The NAV of the Fund is determined by deducting the value of all the Fund’s
liabilities from the value of all the Fund’s assets, at the Valuation Point. For
the purpose of computing the annual management fee and annual trustee
fee, the NAV of the Fund should be inclusive of the management fee and
trustee fee for the relevant day.
Securities Commission Malaysia.
A person or persons registered as holder(s) of Units of any Fund and whose
name(s) appear(s) in the register of Unit Holders.
Units created and fully paid.
Units of any Fund.
Such time(s) on a Business Day as may be decided by the Manager wherein
the NAV of the Fund is calculated. Under normal circumstances, only one (1)
valuation is conducted on each Business Day.
8 Updated as at September 2014

9 Updated as at September 2014